There are several reasons why you would receive multiple Form 1095s.
The first has to do with how your medical plan is financed by your employer. Some plans are “fully insured” (e.g. Kaiser) while others are “self-insured.” The IRS requires different Form 1095s depending on what kind of plan you are in.
Your employer will issue a Form 1095-C to all current and former fulltime employees who were eligible to enroll in the employer’s medical plan in the prior calendar year. So, if you were a full time employee, you will receive a Form 1095-C from your employer whether or not you enrolled in the employer’s coverage.
Even if you are currently on COBRA or are a retiree, if you were a full-time employee at any point during the prior year eligible to enroll in an employer’s plan, you will receive a Form 1095-C.
If your employer has a fully insured plan (e.g. Kaiser), the plan’s insurance carrier will issue Form 1095-B for anyone enrolled in the plan for even one day of the prior year, regardless of their employment status.
This means that employees and former employees who were full-time during the prior year and enrolled in a fully-insured plan will always receive two Form 1095s, a 1095-B and a 1095-C.
You may also receive two forms for several other reasons: (i) if you changed employers during the year; or (ii) though you did not change employers, your same employer began to use a different employer identification number (EIN) during the prior year.